The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,825
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$469/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$449/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$562/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$538/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$628/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,283/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,515
−HK$843/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,726/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,483
−HK$807/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$32,940
+HK$1,650/mo
Deposit HK$650K · loan HK$5.85M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$185,142 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).